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Off Beat Ways to Celebrate Valentines Day on a Budget

The day of lovers–that’s what Valentines Day is all about.  But those constant, influx of commercials can make some Canadian couples feel uneasy and filled with anxiety. If the idea of this holiday looming scares you, there’s no need for it too. No one ever said you had to spend a fortune to express your love. That’s a sad myth. It’s the thought that counts, believe it or not. Most women appreciate a man just showing them they can be romantic. Finding something uniquely different can really make the heart throb, and save a great deal of money at the same time. It isn’t that you’re going cheap either–just more original! After all, what is so romantic about dinner and a movie? You’re fighting crowds and having no privacy either.

Let’s move on to ideas that really make this day blossom with love…

Off the Beaten Path for Valentines Day


Where should a lover begin when planning a Valentine’s Day date? Some men know and some just remain confused. You don’t want to fall into those cliche activities any longer. Just imagine taking your love for a day at the spa–rather than a high priced dinner out. What do you think matters the most? I’d say most would take the spa day, any day of the week! Let’s look at some other amazing ways you can spend Valentines Day with your lover without over spending, or the day being all about money in general!

  • Why not go to a romantic exhibit? At one of these drinks are served, and some serve finger foods. What would be more intriguing and authentic than enjoying fine arts together and having an animated discussion over what you view? Of course, you have to enjoy art–but it’s an idea.
  • Why not cook together at home? Choose some cuisine you’d enjoy creating together and simply enjoy one another’s company. Have a nice bottle of wine to go with it, and maybe some kind of luscious dessert. You’ll both be all set!
  • Rent a cabin for a couple days. The price isn’t too costly and you have amazing amenities–hot tub, fireplace, guest champagne, and so much more! You can have that intimate time you want while enjoying the wonders of the outdoors in a rustic, ambient atmosphere.
  • A winter picnic would be dynamic, wouldn’t it? Even if you’re in a colder region, bundle up in some warm, cozy blankets together. Enjoy a cup of soup and warm sandwich. It’s romantic and unique–this is what matters the most!

c1bf66c11de9c95460d7c9b0356db5baJust remember what this day is all about! Show your significant other exactly how much they mean to you as an individual. You don’t have to follow all the hype, just be you. You don’t even have to intentionally budget your Valentine Day spending either. When you focus on what is most important everything else falls into place.



Time to Start Planning Savings Resolutions in 2017


Planning savings resolutions might strike fear in some Canadian households, but it really can be easier than you think! If you’re really going to be successful this time around you have to look at how you’ve managed years in the past too! Find your mistakes and don’t make them again. Pinpoint your weaknesses and do everything you can to avoid them. For example, if you crave dinner out 1 time a week, start making plans to slash that to every other week. At least for awhile. Another thing that smart Canadians can do is connect with other Canadians who are financially conscious. Surrounding yourself with those people who have similar goals is just smart.

Furthermore, we want to stress how significant committing to a specific goal really is. For example, if you decide that there will be a no spending day then you have to stick to a resolution like that no matter how difficult it feels. You can still find a ton of entertainment that is free, and have just as much fun too! However, you don’t want to be so restrictive you feel suffocated. This is something that you’ll find mentioned in many financial blogs across the internet and it is very true.



Setting Goals and Sticking to Resolutions

When it comes to your financial goals the first thing you have to do (if we haven’t already mentioned) is to identify them. If you haven’t pinpointed these then it’s time to do so. Identifying a clear goal will motivate you to meet it. You also have to create a plan to resolve difficulties. If you’ve been struggling to meet the same goal every year–develop a new strategy. Sometimes consolidating debt might be an option that works best. Every situation is different, so just weigh the odds. But, don’t ever just give up and say: “next year we will do it.”

We aren’t going to give you the same things other websites do. Here, you’re going to find some unique ways you can start meeting your 2017 goals, so let’s get started. We feel certain you’re already well aware of the importance of staying on budget and cutting back, right?

Consider boosting your 401k retirement savings–Because it just makes sense, right? You better bet it does, and when it comes down to retiring you’ll have more than what most do, all due to smart thinking and pre-planning! The goal should be to contribute at least 3% but better at 6%.

Don’t join a gym, just use what’s available–When you think you need a gym, you’re just looking for excuses to not exercise. Use what is all around you to get that workout in and you’ll find it to be just as good, or even better.

Cut back on bad spending–Forget about McDonald’s and Starbucks, you don’t need it. Focus on trying to live healthier and you’ll save a lot more!

Remember, just small changes will help you get on track. Begin with a plan of action you can accept and will stick with and take it from there. It’s all about progressing to your final goal and achieving life satisfaction.


Cyber Monday is Here

Cyber Monday is finally here and we thought we would help shoppers out just a bit. The bottom line here is to save money, right? Cyber Monday is right next to Black Friday and it was established so no shoppers would feel left out. Now, you are supposed to be choosy! Don’t fall into every deal you see until you compare it. Canadians shouldn’t impulse shop just because a cyber deal looks too good to be true! Visit other sites and see if there is better savings.

Some Canadians are just getting off work and coming online to do some shopping, so of course, they might be in more of a hurry since it is late in the afternoon. However, we encourage Canadian shoppers to take their time and really consider their wants and needs. This is supposed to be a way to get gifts for loved ones at a bargain too–let’s not forget that!

So, allow our below shopping tips help you out this marvelous Cyber Monday! You can avoid those consumer traps and come away with some real steals. Let’s take a look.

Cyber Monday is All About Consumer Savings–Pay Attention!


  1.  Begin your cyber Monday shopping by using Google! Check out where the best cyber deals are online! Also, remember, shopping online within Canada will save on International shipping rates, which is quite significant. So, be smart and don’t just pop on a site and spend. Pay attention!
  2. This Cyber Monday page will help you find the best sites to go to for raking in the savings! Yes, we took the hard-work out of your hands and did a little bit of digging on our own. You can still do some shopping research yourself, but we guarantee you the above online shops offer some sweet cyber discounts.
  3. In order to protect yourself and your online purchases make sure to print off your receipts and save them if there is a problem. This eliminates a lot of the hassle that often occurs with online shopping transactions. So, now that you have that peace of mind, you can shop with ease!
  4. Do a daily search and start cyber shopping early. Of course you can’t make purchases early but you’ll know exactly what you’re looking for when the fun begins!
  5. Just as with traditional shopping, always read the fine print! Many Canadian shoppers get a little check out shock online! Know what’s on sale and what items are going to have the best discounts. Don’t fall for the buy one get one free if it really isn’t a savings at all. It’s important to do your research and always, ALWAYS read that fine print.


Programs to Tranform Housing Costs For Canadian Families Today

Canadians spend more than 40% of their monthly income on housing, which is extraordinary. However, this dilemma is occurring all across the United States as well. Because of the stagnation in wages, but the increases in housing and other living costs–Canadians are struggling to stay above water. Some Canadians can only dream of becoming a homeowner. Canadians who do manage to acquire a home struggle from month to month with bills and a mortgage–most just one paycheck away from homelessness. Today, there are many new programs cropping up that are meant to help middle class Canadians achieve their dream of home ownership in a very affordable manner, and that is what we are going to talk about here.

These programs ensure Canadians can own a decent home without being underwater and without going above their own income limits to do so as well. So, let’s take a look at how some of these programs work.

Bridge to Home Ownership for Canadians

What is great about some of these new programs emerging lies in how they stay honest with the consumer. These bridge to home ownership programs are about helping Canadians spend less on a home, but still have the same home quality. If credit is an issue, financial experts work with families to help them get to where they need to be. How does it all work really? Well, it is as simple as starting an application of interest! You can get a home and not feel like your drowning in debt doing so!

These programs, like “Sandstone Managements Program” help those Canadians find housing that fits their budget and family size. You can get into a home of your choosing while you work to repair your credit, and you aren’t going to be broke doing this either. Many Canadians are seeing this as a far better alternative than renting an apartment or home, yet never really getting anywhere. The bridge to home ownership programs allows Canadians to get into a home under a lease purchase agreement. Financial experts then work with them to help them get their credit where it needs to be within a year or two to finally get a traditional mortgage agreement.

Realtors' signs are hung outside a newly sold property in a Vancouver neighbourhood where houses regularly sell for C$3-C$4 million ($2.7-3.6 million) September 9, 2014. Chinese investors' global hunt for prime real estate is helping drive Vancouver home prices to record highs and the city, long among top destinations for wealthy mainland buyers, is feeling the bonanza's unwelcome side-effects. The latest wave of Chinese money is flowing into luxury hot spots. But it has also started driving up housing costs elsewhere in a city which already ranks as North America's least affordable urban market. Julie Gordon/Reuters


For the most part, the down payment for these programs is fairly reasonable, often at around 3.5%. So, if you’re looking at a $109,000 home, you’ll need at least $4000 upfront and then pay around $800 per month, with some of that going to your future mortgage. This strategy works far better for Canadian families than simply renting an apartment or condo! So, home ownership doesn’t have to be wearisome. There are clear pathways to this dream, and if you manage your credit well there is a way to gain a traditional mortgage at a low interest rate too!

It is wise to Google what programs are available where you might reside, and to check within our own district in particular. There are various programs that can really encourage Canadian families who want to own their own home. The following below checklist can help you get organized and gain easier approval for one of this bridge programs as well:

  • Make sure your income is 3 times the monthly mortgage costs of a home you want
  • Have a clean banking record for the past 3 months
  • Be prepared to have past rental references
  • Have personal references on hand
  • Have your past years taxes available
  • And have a budget in place 






How To Go Broke


Learning how to go broke is an odd topic, isn’t it? Well, we felt it was a smart one too. It’s important what NOT TO DO if you don’t want to go broke. Too many people today keep making the same financial mistakes over and over again. The same excuses are used. Canadians claim to have no time to budget, and no time or money to purchase software programs to help them manage their money better. While there are improvements across Canada, there is still a huge problem. Still, today, there are more than enough families learning how to go broke. They are one paycheck away from eternal loss. It’s sad, but as we’ve always said–choices lead to consequences.

You can certainly buy nice things and not go broke, it’s all in how you approach your finances. The main goal should be to not live above and beyond your current means–this is where the problem comes in at. Now, if you think living above a standard you can afford is going to make you happy, you’re wrong. This is only going to give you a great load of anxiety and stress. So, if you don’t want to go broke when you spend money you should be aiming to improve your life, not live above your means.

Below is some wise advice on how not to go broke. You can break all those habits that have led you down that path of destitution in the past. Live better–take care of your money and it will take care of you!

Never Go Broke Again


Let the following tips be your friendly guide to improving your happiness and always having some money in the bank! You can save and still live a fulfilling, satisfying life!

  • Stay out of debt–You should only pay for big purchases you can afford, and that means pay with cash! If you do use a credit card, pay it off in full each month.
  • Use one credit card–If you can manage a credit card stick to one, and take advantage of the points you can earn! Pay it off every month and never exceed what you can afford. Too many dig themselves a hole they can’t get out of. One can be good, but more can be evil!
  • Don’t pay bank fees–If you manage your money properly you won’t have bank fees. Don’t go into overdraft, and if you have bounce protection, try not to use it. You’ll pay excessive fees for minor transactions
  • Stop being an impulse buyer–Pay attention to your purchases and don’t over indulge on shopping in anyway.

This advice really might start helping you make some changes in your spending and your financial habits in general! It never hurts to try!